FAQs
High Value Home Insurance FAQ
Covering luxury homes, fine art, and jewellery.
High Value Home Insurance (sometimes called High Net Worth or HNW insurance) is a specialist policy designed to protect homes and contents that exceed the limits of standard home insurance — often offering broader, more flexible cover.
It’s tailored for clients with:
- Homes typically worth £500,000+ (build cost or rebuild cost)
- Contents worth £100,000+
- High-end possessions: jewellery, fine art, designer fashion, tech, antiques
- Secondary properties or holiday homes
- Lifestyle risks like travel, wine collections, or live-in staff
- Business owners & directors
- Property investors
- Celebrities or media figures
- Professionals with luxury homes or period properties
- Clients with home values or rebuild costs exceeding standard insurers’ limits
- Those who’ve had standard insurers refuse cover due to high value
Buildings Insurance – tailored to include higher rebuild costs, period features, listed buildings
Contents Insurance – often on a “worldwide all risks” basis, including accidental damage and loss, even outside the home
Valuables Cover – specific or blanket cover for:
- Jewellery & watches
- Art, antiques & collectibles
Designer fashion, handbags, and high-end tech
Home Emergency & Legal Expenses – often included as standard
Cyber Protection – for identity theft and smart home risks
Second Homes & Holiday Homes – bundled into one policy
Employers’ Liability – for nannies, gardeners, cleaners or staff
- Client’s £25,000 Rolex stolen abroad — covered under worldwide valuables cover
- Wine fridge leaks and ruins a rare wine collection
- Storm damage to a listed country house — full rebuild cost covered
- A handbag worth £12,000 lost in a taxi
- Insured for full market value without arguing over single-item limits
- Single-item limits too low (e.g. £1,500–£2,500)
- Limited contents cover (often capped at £50k–£75k)
- No proper art or collection valuations
- Valuables must be declared — or excluded
- No global cover for personal items
- HNW cover removes friction, includes lifestyle protection, and offers concierge-level claims support
Premiums depend on:
- Total rebuild cost of the property
- Contents & valuables
- Claims history
- Number of properties (multi-home = discounts)
- Security measures
Typical ballpark:
- £800–£2,500/year for a home with £1M rebuild and £200k contents
Higher for multiple homes, listed buildings, or large collections
Reach out to us
If you have any questions or need further assistance with any of our insurance products please use the form and reach out to us.
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